Your group already has trust. Collect adds structure.
Your group keeps its own governance. Collect adds Rwanda MoMo contribution records, with pending, review and reconciled states shown separately.
Trusted savings should not remain invisible.
Many groups still depend on cash, notebooks, spreadsheets, WhatsApp messages or one person's mobile-money account. This makes reconciliation difficult, weakens transparency and prevents years of savings discipline from becoming a recognised financial record.
How Collect works
Any signed-in Collect user can create a private group and invite members without registering a MoMo number, provider or recipient. Group setup does not request SMS access or authorize payments.
Use a private link or QR code. Member operations require a complete Rwanda MoMo profile.
Eligible Android members check the exact MTN MoMo or Airtel Money receiver and whole-RWF amount, then approve payment in the mobile network’s USSD prompt.
A pending request or receipt SMS is not a confirmed contribution. Production confirmation requires independently reconciled settlement evidence or an explicitly approved constrained finality policy.
Partner-led credit and insurance are not available through the current app. Contact IKANISA for information.
Features for groups that save together
From rotation to accumulation - keep the trust, grow the capital.
Groups choose their own rotation or accumulation rules. Collect records contributions; it does not hold group capital, establish collateral, provide investments or promise credit. Any financial arrangement needs separate supported provider terms.
Each group chooses its rules. Collect does not force groups to abandon their existing culture or governance.